2 EDGE Reward Points / ₹100
Strong data Pairwise comparison
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Axis Bank My Zone vs HDFC Bank Millennia Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the Axis Bank My Zone and the HDFC Bank Millennia. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick Millennia for rewards.
Head-to-head
Three core metrics- Annual fee My Zone saves ₹500/yrMy Zone ₹500 Annual-fee waiver not offeredMillennia ₹1,000 Waivable at ₹1,00,000 spend
- Forex markup My Zone 3.5%Millennia 3.5%
- Domestic lounge My Zone 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the previous 3 calendar monthsMillennia 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹1,00,000 spend in the previous calendar quarter (unlocks the following quarter)
Reward earning explained
Per card1% · 5% on eligible amazon, bookMyShow, cult.fit, flipkart, myntra, sonyLIV, swiggy, tata CLiQ, uber, and zomato
Strong dataPick based on what matters
3 dimensionsStart with the constraint you care about most: annual fee (Axis Bank My Zone: ₹500 vs HDFC Bank Millennia: ₹1,000), forex markup (3.5% vs 3.5%), or lounge access (4/year (1 per quarter) vs 4/year (1 per quarter)).
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Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
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Lounge access Tie Both cards are similar for lounge access
Domestic lounge access is 1 per quarter.
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Rewards HDFC Bank Millennia wins HDFC Bank Millennia is better for rewards
HDFC Bank Millennia is stronger here. HDFC Bank Millennia conservative base value ~1% vs Axis Bank My Zone's ~0.4%.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- Millennia: ~₹500/month at base rate
- My Zone: ~₹200/month at base rate
Illustrative only, using current base rates before caps.
| Field | My Zone Axis Bank | Millennia HDFC Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats | 4/year (1 per quarter) | 4/year (1 per quarter) |
| International lounge visits Only available for Millennia | Not specified | No international lounge access |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee ₹500 vs ₹1,000 | ₹500 | ₹1,000 |
| First-year cost Only available for Millennia | Not specified | ₹1,000 |
| Annual-fee waiver Not offered vs ₹1,00,000 | Not offered | ₹1,00,000 |
| Monthly interest rate | 3.75% / month | 3.75% / month |
| Late-payment charge Only available for Millennia | Not specified | ₹100–₹1,300 depending on outstanding balance |
| Fuel benefit 1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap · Fuel rewards excluded vs 1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap · ₹1,00,000/year waiver cap · Fuel rewards excluded | 1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap · Fuel rewards excluded | 1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap · ₹1,00,000/year waiver cap · Fuel rewards excluded |
| Rewards | ||
| Base earn 2 EDGE Reward Points / ₹100 vs 1% | 2 EDGE Reward Points / ₹100 | 1% |
| Conservative base value ~0.4% vs ~1% | ~0.4% | ~1% |
| Earn ceiling Not stated vs ₹1,000 per calendar month | Not stated | ₹1,000 per calendar month |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹0.2 vs ₹1 | ₹0.2 | ₹1 |
| Point validity Only available for Millennia | Not specified | 2 years |
Notes
- Axis Bank My Zone Credit Card: Condition: ₹50,000 spend in the previous 3 calendar months
- HDFC Millennia Credit Card: Condition: ₹1,00,000 spend in the previous calendar quarter (unlocks the following quarter)
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Axis Bank My Zone
Verify with issuer , opens external siteHDFC Bank Millennia
Verify with issuer , opens external site